Edward Warren Email & Phone Number

Columbus, Ohio, United States

Managed, reviewed and monitored the purchase of secondary mortgages from correspondent underwriters to ensure proper procedures and guidelines are followed from the FNMA and FHLMC selling guides or the related investors’ AllRegs guidelines.Top in loans UW production with 115% - 165% as well as top in quality accuracy with 97% - 100%.Obtained UW certification by completing the required training which resulted in attaining credit approvalauthority. Owned and drove a variety of credit focused improvement as well resolution of assigned projects.Bilingual Skills: English/Spanish.

Lewisville, Texas, United States

Data driven Senior Business Analyst with career expertise in the execution of test scripts and identification and tracking of defects in Application Life Management (ALM). Adept in identifying issues and control improvement for remediation and assisting in managing loss mitigation risk. Collaborative professional skilled in addressing defects as it pertains to system issues not operating correctly and rectify and retest as applicable. Execute regression testing as applicable.

Lewisville, Texas, United States

Served as UAT lead analyst; assigned, trained and managed UAT test case uploaded to ALM application system. Assign test cases to testers for execution to validate the accuracy of the application system transitioning into the line of business production environment.Executed test scripts and identification and tracking of defects in Application Life Management (ALM). Address defects as it pertains to system issues not operating correctly and rectify and retest as applicable.Performed UAT testing of the ER (Early Resolution) system, identify and address defects and take appropriate action for a perfect resolution. Ensured accurate completion of modification loans and delivering perfected loan documentation to our customers.Underwrote various loan modification programs which meet investors’ guidelines and requirements for investors’ such as: FNMA, FHLMC, FHA, VA, USDA, Private, and Bank Owned. Performed QC reviews as it pertains to quality assurance audits for the underwriting process and review according to specific bank policies & procedures and maintain a good rapport with internal and external customers to fulfill the same common goals. Researched and addressed UW procedure gap issues as it pertains to quality review disputes which would impact the modification decision for the customer which involved remediation UW to rectify terms and provisions in the underwriting process.Identified issues and control improvement for remediation and assist in managing loss mitigation risk.Assisted in managing the division pipeline by analyzing and reporting loan intakes, inventory, aged loan status and deliverables. Trained and mentored other UWs to become acclimated and proficient to their assigned work stream. Interfaced with difference system application testing implemented in order to execute proficiently assigned special projects.

Frisco, Texas, United States

·Assemble the purchase and resale of pre-foreclosure and foreclosed single-family residential, and commercial market properties. ·Implementing and utilizing several marketing concepts to generate leads for the acquisition and purchase of distressed properties through direct purchase from the property owners and/or through short sale transaction with their mortgage company. ·Consulting with property owners to research and remedy their hardship situation by either conventional refinancing or through FHA programs if applicable. ·Prepare comprehensive due diligent analysis report for distressed properties; includes: a BPO evaluation summary, contractor(s) repair bids evaluation, comparable property listing analysis, ensuing the determination of the property’s “as is “ value, rehab cost and after rehab value. ·Negotiate with contractor(s) to obtain reasonable repair estimates for the distressed properties.·Execute sales contracts with Investment Partners or potential Buyers

Fort Worth, Texas

Helped natural disaster victims put their lives and businesses back into perspective. Interviewed disaster victims; explain program eligibility and assist applicants in completing loan applications. Reviewed businesses and home loans by applying a range of financial techniques; full underwriting, calculate repayment terms, consider lien position and recommend courses of action to protect the interest of the U.S

Dallas, Texas, United States

Managed and assessed risk for loans originated by Fannie Mae’s Designated Underwriting Servicing “DUS” partners’ and ensured compliance with the All-Reg policy guide. Reviewed and examined the underwriting of Fannie Mae’s DUS partners to ensure soundness, business value and compliance with Fannie Mae’s policies, procedures and investor standards. Performed market research and analysis for a regional market, for property updates and inspections.